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I really like TenX. I've been accumulation since it got on the exchange. US was banned from the ICO so I jumped in as soon as I could. Good luck whatever you decide :)

Real world use cases are one of the top things I look for when investing in crypto.
Just gave you a follow too! Can't wait to see more about your experience with TenX mate.

Good point. If TenX get their banking license in March, I can't even imagine the effect on price of the PAY token and all of the other cryptos that are supported on the TenX app.